3 What the industry is saying about EuroCatalyst Professional conferences are a blight on the schedule of senior executives in this industry. EuroCatalyst changed my view on the productive value of my time at an event. Matthew Wyles, Group Development Director, Portman Building Society The ideas and intellectual capital being shared at EuroCatalyst goes far beyond recycled conference topics and touches at the heart of the most important issues driving the markets. It s also the only event that draws people who have stopped attending conferences altogether. Hoesli Labhart, Director, Citigroup Global Markets I ve been back at the office for a week and cannot stop talking about EuroCatalyst. My colleagues are beginning to think that I ve joined a cult Fanny Borgström, Head of Group Funding, Nordea Treasury You really have your priorities in the right place and it shows in your program. Thanks for the ideas and the meetings, we ll always be back... Liam Coleman, Head of Funding, Nationwide Building Society 2005: LIVE FROM ROME Risk, relationship and reward in European mortgage markets PRELIMINARY PROGRAM V 3.5 For the fourth consecutive year, EuroCatalyst hits the ground running with a programme that features strategic issues facing all players across the mortgage value chain in Europe in an increasingly competitive marketplace. Continuing to study Europe s mortgage markets in the context of globalization, we open Euro- Catalyst 2005 with a full day focus on Italy, covering topics and players on both the primary and secondary side of the market, with the assistance of the Italian Banking Association (ABI). Days 2 and 3 cover pan-european issues, from the latest efforts by the European Commission to identify barriers to single market integration ITALY ON THE GLOBAL STAGE (DAY 1) Covered bond multi-originator scheme for mid-sized banks Funding optimization strategies from covered bonds to cash securitisation to senior debt Product development and innovation Maximising distribution, optimising administration New entrants and new business models ITALIAN CHAMPAGNE DEBATE: Specialist vs. Universal banking The CMBS market in Italy Funding innovation to new products to housing prices, covered bonds, funding efficiencies and nonperforming loans. National and regional markets in the spotlight include the UK, Germany, Spain, the Nordic region, the Netherlands and Central and Eastern Europe. As in the past, the audience at EuroCatalyst 2005 will be an important participant in our ongoing dialogue to explore all pieces of the mortgage value chain in Europe. PAN-EUROPEAN (DAY 2) Impact of globalisation on mortgage markets Cross-border lending and the commercial realities of European mortgage market integration Risks and rewards on new products to capture new market segments UK market session German market session Silver lining of sub and nonperforming loans 4th ANNUAL CHAMPAGNE DEBATE a.k.a. WINE WARS / Europe rides shotgun down the credit curve as the U.S. pulls in the reins SEPTEMBER 2005 / CAVALIERI HILTON ROME PAN-EUROPEAN (DAY 3): PSYCHOLOGY OF RISK MANAGEMENT AND CAPITAL MARKETS Housing prices Covered bonds face an identity crisis Optimising funding efficiencies, risk transfer and economic capital management Spanish market session Nordic regional session Dutch market session CEE regional session FOUNDING CATALYST PARTNERS PARTNER ITALY IN FOCUS: LEAD PARTNER SUSTAINING CATALYST PARTNERS INDUSTRY CATALYST PARTNERS

4 Page DAY TUESDAY The dialogue continues... Sometimes, small inputs can cause large consequences, and the annual Euro- Catalyst event was launched to do just that. Its purpose is to reposition the role and importance of European mortgage markets by examining the entire value chain. We named it EuroCatalyst for the role that it would play in creating a meaningful dialogue to improve the products, processes and practices throughout all markets. We gave the ideas that came from that dialogue power by discussing the evolution of mortgage markets in the context of globalisation. "If housing is a local activity and funding is increasingly global," we asked, "which one was more likely to change?" Today's sessions address mortgage market developments starting with the larger picture of globalisation as the context for European single market integration and cross-border and new market entry. From there we look at the best new products to grow market share and the associated risks that new products will inevitably bring - and the relationships required to exploit new market opportunities. Our regional market sessions feature a sharp contrast between the two largest markets in Europe. The United Kingdom continues to set the global pace as one of the most innovative markets in the world, whereas Germany continues to struggle with market transformation and consolidation. Where there is confusion, however, there is profit - leading us to feature the "silver lining" of non-performing loans and illustrate the lifecycle of mortgages. Finally, we are proud to feature servicing in this year's annual debate and would like to be the first to announce that servicing in Europe has finally reached center stage. PRELIMINARY PROGRAM: DAY 2 / 27 SEPTEMBER 2005 TUESDAY 2005: LIVE FROM ROME RISK, RELATIONSHIP AND REWARD IN EUROPEAN MORTGAGE LENDING HOSTED BY MICHAEL COOGAN, director general, Council of Mortgage Lenders (UK) STEPHEN KNIGHT, executive chairman, GMAC-RFC UK INTRO TONI MOSS SESSION BREAK SESSION RETAIL MARKETS AT WHOLESALE PRICES? GAUGING THE IMPACT OF GLOBALISATION ON MORTGAGE MARKETS This session continues our four-year dialogue on the impact of globalisation throughout the mortgage industry and European mortgage markets in particular, and defines the context of the annual EuroCatalyst event. The session is intended to provoke further thoughts on the intensely local nature of mortgage markets in contrast to the increasingly global nature of their funding and the implications of that gap for players across the value chain. Alan Boyce, Director, Soros Fund Management Jaime Cortina, CFO, Sociedad Hipotecaria Federal Keith Davies, WPP-Prudential & Accounting Standards Department, FSA Todd Groome, Division Chief, Financial Market Stability Division, IMF Robert Parker, Vice Chairman, Credit Suisse Asset Management Ganesh Rajendra, Managing Director and Head of European Securitisation Research, Deutsche Bank CROSS-BORDER LENDING AND NEW MARKET ENTRY: COMMERCIAL REALITIES OF EUROPEAN MORTGAGE MARKET INTEGRATION The previous discussion on globalisation of mortgage markets sets the stage for discussions on Europe and ongoing efforts to integrate European mortgage markets and what the integration process means in practice. In 2000, EU leaders identified financial integration as the building block to the single market and at the heart of The Lisbon Strategy to transform the EU into the most competitive and dynamic knowledge-based economy in the world by To this end, the European Commission has actively sought opinions and recommendations on integration of the mortgage market (in part to determine whether there is a clear case for Commission intervention). It set up the Forum Group on Mortgage Credit, which in December 2004 published 48 recommendations for achieving an integrated European mortgage market in the areas of consumer confidence, legal issues, collateral issues, distribution issues and finance. In July 2005 the Commission issued a Green Paper in direct response. In August, a Commission-funded study on the costs and benefits of further integration of residential mortgage markets was published. This session looks at the main recommendations of these reports, the commercial strategies which have been undertaken to date (and how they have fared), current incentives and market factors that have enabled new market entry; and the changes in markets or new business models that will facilitate crossborder activity in the future. We expect this session to generate dialogue that can ultimately be submitted as a response to the Commission's Green Paper. Harsha Shewaram, EU Internal Markets and Services DG, Financial Institutions DISCUSSION Achim Dübel, Economist, Finpolconsult Erik Urskov, Executive Vice President, Nykredit A/S Ferdinand Veenman, Managing Director, Continental European Capital Markets Group, GMAC-RFC Manfred Westphal, Head of Financial Services Department, Federation of German Consumer Organisations INTRODUCTORY PRESENTATION SESSION FROM MINDSHARE TO MARKET SHARE: RISKS & REWARDS OF NEW PRODUCTS TO CAPTURE NEW MARKET SEGMENTS While globalisation is clearly having an impact on the funding side of European mortgage markets, local European lenders are looking at ways to compete effectively in home markets by reaching out to underserved segments through product innovation. In its April 2005 report on Risk and Funding in European Residential Mortgages, Mercer Oliver Wyman identified a 15% market expansion of untapped opportunity equivalent to 500 billion of lending in Europe. This session discusses new market growth as lenders move down the credit curve and up the LTV curve in search of new borrowers, and explores how sub-prime, high LTV, reverse mortgage, and non-conforming lending will expand across Europe. We also discuss ways in which to manage the associated risk that accompanies new market segments, the funding approaches that work best, and which players are most likely to exploit these options. Finally, we ll be taking a look at how lenders are branding new products to new market segments. INTRODUCTORY PRESENTATION DISCUSSION Matthew Sebag-Montefiore, Director, Mercer Oliver Wyman Ray Boulger, Charcol Online Darren Cook, Head of Mortgages, Moneyfacts Group plc Bill Keenan, Chairman, DeNovo Corp. Eddie Register, Director, Servicer Ratings, FitchRatings IN FOCUS: DIVERSIFYING FUNDING, PRICING AND SELLING RISK - THE 3RD ANNUAL WHOLE LOAN SALES AND TRADE EXCHANGE (PRESENTED BY STANDARD & POOR'S) While the majority of outstanding mortgage debt in the US is financed through securitization and agency debt, historically European lenders have relied largely upon retail deposits or the issuance of senior unsecured debt for funding. In the late '90s national markets began to alter legislation to enable the securitisation market to flourish. The newest alternative to securitisation is now whole loan sales and trades, a trend primarily driven by GMAC-RFC Securities. A whole loan transaction involves the sale of a pool of loans from one mortgage originator to another, benefiting sellers by providing an immediate risk transfer and flow of funds, and benefiting buyers by enabling the opportunity to securitize the pool. This forum examines in detail the advantages of whole loan sales as a means of asset disposition and why it is increasingly popular for all lenders, large and small, to diversify funding. HOST TO BE ANNOUNCED Alain Carron, Managing Director, Standard & Poor s Mike Culhane, Chairman, The Oakwood Group Jon Katovsky, Managing Director, Britannia Treasury Services Craig Beresford, Head of Asset Sales - Capital Markets, GMAC-RFC

5 PRELIMINARY PROGRAM: DAY 2 / 27 SEPTEMBER 2005 TUESDAY (CONTINUED) Page LUNCH SESSION SESSION HELLO! HEADLINES IN A GOOD BUY MARKET: THE UK REMAINS RESILIENT One of the most competitive mortgage markets in the world, the United Kingdom continues to blaze the way in both primary and secondary market activities in Europe. As the CML aptly states in its Mortgage Market Manifesto (2004), the UK has the most complete mortgage market in Europe, taking account of the range of consumers served, the range of mortgages available, the accessibility of mortgage finance and the availability of information and advice. This session explores the challenges facing the UK as it deals with concerns over house prices, home ownership and funding as well as its position in the European context. How to raise share of first-time buyers in housing market (shared equity mortgage) Product development: saturation of mortgage market has pushed lenders to greater heights of creativity and innovation (HSBC on sale mortgage, Yorkshire Building Society 0% mortgage) Growth of subprime market; weak performance in UK non-conforming portfolios relative to the more aged portfolios HOSTS Michael Coogan and Stephen Knight Michael Bolton, Head of Lending, Birmingham Midshires Angela Clist, Partner, Allen & Overy Steve Haggerty, Managing Director, HomeLoan Management Limited Stuart Jennings, Director European Structured Finance, FitchRatings Trevor Pothecary, Executive Chairman, Mortgages plc THE GLOVES ARE OFF: WILL GERMANY BECOME EUROPE'S COMEBACK KID? Germany is the world's third-largest economy (in terms of GDP) and Europe's second-largest mortgage market. Once heralded as a world-class model for national productivity and stability, the German economy continues to bear the unprecedented weight of economic integration between East and West. The three parallel banking systems (public, co-operative and private) that previously defined the strength of and provided a balance for the German banking sector have evolved into a Darwinian struggle for survival. While the German political process manages the challenges of structural reforms, this session focuses on the diversity of strategies undertaken by major market players as they seek to streamline their balance sheets and find sustainable growth leveraging every possible opportunity throughout the mortgage value chain. Despite restrictive limits to entry, in the past two years Germany has seen several players establish operations including GMAC-RFC who recently issued the first true-sale securitization issue since This session will discuss the operationalisation of Basel II; the elimination of the German mortgage bank monopoly on the issuance of Pfandbrief; the elimination of state guarantees for Landesbanken and subsequent downgrades; the current environment of mergers and acquisitions and the implications for the market moving forward; the disappearance of the KfW true-sale initiative; the recent changes in German lobby groups; and market strategies including current overcapacities and poor margins; off-balance sheet lending strategies and non-performing loans. The session is anticipated to be the most provocative discussion and accurate reflection of the current state of mortgage lending in Germany ever conducted in public. HOST Heiko Glander, Transformation Partners Professor Dr. Thomas Kretschmar, Chairman, HypoPort Markus Schaber, Director German Securitisation, Deutsche Bank Franz Schmidpeter, Managing Director, GMAC-RFC Deutschland GmbH Dr. Bernhard Scholz, Member of the Board, Münchener Hypothekenbank BREAK SESSION 6 IN SEARCH OF THE SILVER LINING IN NONPERFORMING LOANS HOSTS Heiko Glander, Transformation Partners, and Toni Moss, EuroCatalyst Asina Ajwani, Associate Director, FitchRatings Gabriel Low, Managing Director, Fixed Income, Citigroup J. Kingsley Greenland II, President and CEO, DebtX (The Debt Exchange) Dr. Bernhard Scholz, Member of the Board, Münchener Hypothekenbank Dr. Jörg Wulfken, Partner, Mayer Brown Rowe & Maw SESSION Sponsored by THE WINE WARS (U.S. VS. EUROPE): EUROPE RIDES SHOTGUN DOWN THE CREDIT CURVE AS THE U.S. PULLS IN THE REINS ( PMI EUROPE) Over the years, EuroCatalyst has established a tradition to conclude its opening day with a champagne toast to the differences between the United States and Europe followed by a fun-spirited but provocative debate between teams on both sides of an important industry issue. This year we switch to wine as we debate the obstacles and opportunities in delivering new lending products to new market segments. Specifically, we'll be discussing the common goals and complexities of developing "a loan for every borrower" in the most cost-efficient and effective manner. The debate will center around the rapid growth and expansion of sub-prime and non-conforming lending throughout Europe in comparison to the US market which appears to have taken sub-prime lending to an extreme. Is Europe under-leveraged while the US is over-leveraged? Which consumers get a better deal? While sub-prime and non-conforming lending tend to be higher-risk, higher-reward products, what are the costs of managing the additional risk in terms of risk-pricing and servicing? Who is leading product development and which products are performing well throughout the value chain? Where has underwriting fallen short? Do sub-prime borrowers pay more than is warranted by the extra risk they present, or are borrowers too tempted to pay more than they can afford? Will the trend toward increased whole loan sales and trades in Europe drive a secondary market for servicing rights? To what extent will pressure on Fannie Mae and Freddie Mac in the US cause further disruption in servicing scale and even a complete overhaul of the US system? How are technology and servicing helping to manage the risk to offer a wider range of products to an increasing range of borrowers? TEAMS EUROPE / Jean-Louis Bravard, Managing Director, Global Financial Services Industry, EDS; Johannes Luef, President and CEO, VP Denmark; (OTHERS TO BE ANNOUNCED) US / Dr. Michael Lea, Cardiff Consulting; Tony Porter, Managing Director & Chief Operating Officer, PMI Mortgage Insurance Company Ltd; Stan Rhodes, CEO, ABN Amro Mortgage Group; (OTHERS TO BE ANNOUNCED) DAY CONCLUDES WITH WINE-TASTING HOSTED BY EDS Our NPL session partner:

6 Page DAY WEDNESDAY While EuroCatalyst has been steadfast in its determination to provide an independent and neutral platform to discuss funding issues by focusing on commercial realities - leaving politics to the politicians - our position has taken us through some interesting twists and turns over the years, subjecting us to varying degrees of respect, indifference, political cross-fire and exclusion from the debate. Rather than speak for the industry, we once again provide a platform for the industry to speak for itself - and boy, is the industry upset at the moment. Since 2001 EuroCatalyst has pointed to globalization as the context in which European mortgage markets would integrate based on the inevitable convergence between structured finance and covered bonds and the resulting expansion of the funding continuum. The acceleration of financial innovation will fuel the growth of European mortgage markets into the future, driving change from secondary markets throughout the value chain into primary markets. The title for the sessions, Leaving Home: The Psychology of Risk Management and Capital Markets acknowledges departure from traditional market practices and maps out the journey to a new world of challenges and opportunities posed by capital market innovation, funding and risk transfer. Despite the increase in knowledge and tools to measure, price and transfer risk, the title also serves as a reminder of the human element that remains central to all risks, the relationships required to manage those risks and the rewards of profit and growth for those who have found the right balance. Day 3 sessions bring us up to date on where we left off in Berlin, and captures how market changes are impacting the thought process of leading players and how this new way of thinking is fundamentally changing the nature of the markets. PRELIMINARY PROGRAM: DAY 3 / 28 SEPTEMBER 2005 WEDNESDAY 2005: LIVE FROM ROME LEAVING HOME: THE PSYCHOLOGY OF RISK MANAGEMENT AND CAPITAL MARKETS HOSTED BY TIM SKEET, Managing Director/Debt Capital Markets, ABN Amro, and TONI MOSS, EuroCatalyst SESSION SESSION HOLDING OUR BREATH: HIGH ANXIETY OVER HOUSING PRICES According to estimates by The Economist, the total value of residential property in developed economies rose by more than $30 trillion over the past five years to over $70 trillion - an increase equivalent to 100% of the combined GDPs of those countries. Not only does the current situation dwarf any previous house price booms, they argue, it is the most massive capital markets bubble in history. Feeling a little anxious? As lenders move up the LTV curve and down the credit curve in search of new borrowers, how will the possibility of a housing bubble impact markets in the near future? While bubbles are never identified until after they have burst, the combination of rapidly increasing house prices and leveraged mortgage debt have raised serious concern for the industry. This session explores differing perspectives on the extent to which the industry hinges on the fundamental value of house prices, and where they will go next, with suggestions on how to improve the safety and security of housing markets in the future. Julian Callow, Chief European Economist, Barclays Capital Tobias Just, Senior Economist, Deutsche Bank Marco Terrones, Senior Economist, International Monetary Fund Nick Tyrrell, Head of Research and Strategy, European Real Estate Group, JP Morgan Asset Management LIFE IN THE FAST LANE: KEEPING PACE WITH THE SPANISH MARKET HOSTS Sandie Fernandez, Moody s Investors Service Santiago Ruiz-Morales, Executive Director, Securitisation, Calyon BREAK SESSION Baralides Alberdi, economist Gustavo Celi, Associate Director, FitchRatings Fernando Cuesta, Head of Securitisation, Caja Madrid Ana Delgado, Manager of Servicing Operations, Ahorro y Titulización Fernando Durante, Head of Capital Markets, Banco Pastor Eric Klesta, Chief Operating Officer, UCI Angel Tello, Capital Markets Division, Caixa Catalunya THE NORDIC COMBINED: CREATIVE COMPETITION, INNOVATION AND EXPANSION IN THE NORDIC MARKETS HOST Tim Skeet, ABN Amro Lotte Bomgaard, Senior Economist / Investor Relations Manager, Nykredit Fanny Borgström, Head of Group Funding, Nordea Treasury Martin Gregersen, Covered Bonds & Derivatives Strategy, Danske Bank Lauri Iloniemi, Head of Asset and Liability Management, Sampo Bank plc Johannes Luef, President and CEO, VP Denmark Timo Pietilä, Managing Director, Aktia Mortgage Bank HIGH EXPECTATIONS UNDER A LOW SKY: THINKING TWICE ABOUT THE DUTCH MARKET HOST Leo-Hendrik Greve, Managing Director, Financial Institutions Capital Markets, Citigroup Hein G.M. Blocks, Managing Director, Nederlandse Vereniging van Banken (Netherlands Bankers Association), and Chairman of the Executive Committee of the European Banking Federation Jeroen Belt, Structured Finance, SNS Finance Markets Peter Besuijen, Director, Quion Groep BV Rob van den Berg, Director, GMAC-RFC Nederland BV Lodewijk Van der Heijden, Managing Director, De Hypotheekshop Cor Zwaan, Director, Mortgage Finance and Asset Securitisation, NIB Capital CEE AND EMERGING MARKETS Where is the greatest opportunity in European markets? This session focuses on the fastest growing markets including Hungary, Poland, the Czech Republic, Turkey and Romania. Panellists will be discussing due diligence considerations when looking at CEE and emerging markets including strategic considerations when buying a bank across borders; what it takes to get deals done in highly bureaucratic environments; the nature and characteristics of local mortgage portfolios and where are the gaps and unfilled niches in the markets. OPENING SPEAKER Achim Dübel, Economist, Finpolconsult ( Opportunity in CEE and Emerging Markets ) Dr. Astrid Kratschmann, Chief of Department, Central European Housing Finance, Erste Bank Pam Lamoreaux Carmen Retegan, Executive Director and Acting CEO, Domenia Credit Annabel Schaafsma, Vice President /Senior Credit Officer, Moody s Bahadir Teker

7 PRELIMINARY PROGRAM: DAY 3 / 28 SEPTEMBER 2005 WEDNESDAY (CONTINUED) SESSION WHO AM I? COVERED BONDS FACE AN IDENTITY CRISIS While covered bonds will remain king of the mortgage funding jungle for mainstream products, the rapid convergence of funding has led to the most heated debate in the history of European mortgage markets with dramatic implications for the global industry. Today, covered bonds are facing an identity crisis, and the whole world is watching its outcome. An identity crisis, a term coined by Danish psychologist Erik Erikson, happens when one loses a sense of personal sameness and historical continuity. Of his Eight Stages of human development, Erikson believed the identity crisis is the single most important conflict human beings encounter by asking the question for the first time, Who am I? This session analyses (pun intended) the current identity crisis facing the covered bond community given that the oldest markets have lost historical continuity with the addition of new markets. Will this new community find sameness in a single asset class, or will the drive toward individuation and differentiation prevail? How well will the rift over collateral definitions that can be used in covered bonds that has raged over this summer have healed by September? Louis Hagen, Executive Director, Verband deutscher Pfandbriefbanken Helene Heberlein, Senior Director and Head of Covered Bonds, FitchRatings Heiko Langer, Senior Covered Bond Analyst, BNP Paribas Rob Thomas, Senior Policy Advisor Funding, Council of Mortgage Lenders Bill Thornhill, Senior Reporter, Covered Bonds, IFR Claus Tofte Nielsen, Senior Portfolio Manager, Norges Bank Investment Management LUNCH SESSION 5 A BALANCED APPROACH: OPTIMISING FUNDING EFFICIENCIES, RISK TRANSFER AND ECONOMIC CAPITAL MANAGEMENT Second to retail deposits, while covered bonds will continue to provide the lowest cost of funding they do not provide a source of risk transference. This two-part session continues to break new ground in expanding the European capital market landscape by providing a matrix for optimizing portfolio funding considerations between cash securitisation, structured covered bonds, Pfandbrief and senior debt. Spanning wholesale and retail markets, on and off-balance sheet funding and incorporating risk transfer and Basle II, we update last year s template to determine how lenders are currently thinking about how to structure, fund and leverage mortgage assets from the perspective of return on equity, return on assets and return on economic capital vs. straight equity, showing how changes in the funding spectrum cause resulting changes throughout the entire mortgage value chain. The session is divided into two parts, starting with the larger picture of funding efficiencies on a pure borrowing basis and moves into the extent to which lenders are moving away from regulatory capital arbitrage and into risk transfer through whole loan sales and trades, funding and synthetic instruments (PART 1) FUNDING EFFICIENCY ON A PURE BORROWING BASIS 2005 DAY WEDNESDAY Page 7 HOSTS Hoesli Labhart, Director, Head of European Financial Institutions Securitisation, Citigroup Dominic Swan, Director, Head of Structured Investments, HSBC Fanny Borgström, Head of Group Funding, Nordea Treasury Justin Fox, Head of Funding, Nationwide Building Society Saul Greenberg, Senior Vice President, Moody s Investors Service Steve Lorimer, Head of Syndicate, HBOS Gabriele Müller, Capital Markets Director Germany, Genworth Financial Antonio Torio, Vice President, Financial Management, Grupo Santander (PART 2) FUNDING PRODUCT DEVELOPMENT AND RISK TRANSFER FROM THE PERSPECTIVE OF BASEL II AND ECONOMIC CAPITAL MANAGEMENT 2005 CONCLUDES Current net interest margins have reached unsustainably low levels at many European banks, prompting the search for higher risk and higher return products to compensate. However, high growth strategies expose banks to higher levels of risk with increased possibilities of credit losses which in turn drive the need to transfer risk. In the larger picture, the need for securitisation in a post-basel II / CRD world has shifted from a form of regulatory capital relief to economic capital management through the transfer of risk. The session provides insight into how banks will operationalise the CRD by featuring firms with advanced risk transfer and economic capital management techniques to discuss how they are reducing their exposure as individual and group strategies including: Synthetic securitisation Insurance as credit risk mitigation Whole loan sales and trades Alexander Batchvarov, Head of International Structured Finance Research, Merrill Lynch International Thierry Dufour, Chief Executive, Compagnie de Financement Foncier David Liu, Vice President, International Markets, PMI Capital Corp. Peter Green, Director of Treasury, Bradford & Bingley Gloria Hernández, CFO, Banco Pastor

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